Now Live – Small Limited Company Buy-to-Let from YBS
A faster, simpler solution for customers with smaller portfolios.
We’re excited to announce the exclusive product launch of a brand new product from YBS, developed in collaboration with Connect, the Small Limited Company Buy-to-Let.
Designed to simplify limited company lending for smaller portfolio landlords, this product combines YBS’s commercial expertise with a streamlined process and straightforward criteria. It’s ideal for clients with simpler structures, fewer properties, and a need for speed. Key features are:
- For portfolio landlords with fewer than 10 mortgaged properties
- Accepts SPVs with up to 4 directors (100% share ownership)
- Max loan size: £3 million
- Max LTV: 75%
- ICR:
- 125% @ 5.5% or product rate +1% (standard)
- 130% (for HMOs – up to 6 beds)
- EPC rating A–E accepted
- Free valuations provided (excludes HMOs and MUFBs)
Why this proposition works for advisers:
- Straightforward structure – no complex, layered company setups
- No links to foreign income or high-risk industries
- Simplified case journey with efficient, fast-track underwriting
- Dedicated case support and a direct point of contact throughout
A word from YBS Commercial Mortgages
“We’re delighted to partner with Connect on this new proof of concept, which allows us to bring our lending expertise to landlords with smaller portfolios.
This product represents a more streamlined journey — one that prioritises speed, simplicity, and great outcomes for both brokers and clients.”
– Angela Norman, Managing Director, YBS Commercial Mortgages
Submitting a case is easy!
If you’re a Connect Network Commercial Specialist or Commercial Expert you can submit cases directly to YBS.
Use the same portal and process you already know — just select: ‘SBTL – Internal Allocation’
All Other Advisers
For further Information, please contact the Specialist Placement Team or speak to your Business Relationship Manager.